Please read these important notes before proceeding:

(We apologise that this is so long!)

When you apply for an account with Churches’ Mutual, we ask you provide information about yourself. This includes information about who you are, where you live, and who you bank with. This information is sent through our secure website to ‘CallCredit’ an external credit reference bureau who validates the information given and provides us with a report in order to satisfy identity checks and Anti-Money Laundering legislation.

Full details of how CMCU treats your personal information can be found on our Privacy Notice

If you are happy to provide Churches’ Mutual with information to use in this way and you have checked you are eligible to join please proceed to the account application page by pressing the ‘Click Here’ button below. If you are not willing to provide this information please contact us via the contact form on the Home page of this website but please be aware that we cannot open an account for you if we are unable to verify your identity.

Am I eligible to join?

To be eligible for membership of Churches’ Mutual Credit Union Ltd applicants must share a ‘common bond’ with existing members. Churches’ Mutual Credit Union Ltd offers individuals membership through association with the Anglican Churches of Great Britain, the Church of Scotland, the Methodist Church of Great Britain, the United Reformed Church, the Catholic Church in England & Wales and the Catholic Church in Scotland.

Please read the following statements carefully:

I am an elder, a lay or ordained minister or training for ministry in an Anglican Church in Great Britain, the Church of Scotland, the Methodist Church of Great Britain, the Catholic Church in England & Wales and the Catholic Church in Scotland or the United Reformed Church. (This category includes active or retired clergy and ministers, and elders of the Church of Scotland or the United Reformed Church).

I am an employee or trustee of a National, Regional or Local Church institution or office of the Anglican Churches of Great Britain the Church of Scotland, the Methodist Church of Great Britain, the Catholic Church in England & Wales and the Catholic Church in Scotland or the United Reformed Church.

I am an employee or trustee of a charity of the Anglican Churches of Great Britain, the United Reformed Church or of the Church of Scotland, the Catholic Church in England & Wales or the Catholic Church in Scotland (this includes Church Council members, and employees and trustees of church voluntary aided schools and academy trusts).

I am a household member of any of the above.

If you are able to answer YES to at least one of the above statements and once you have read the notes below:

If you cease to act as a trustee or employee at some point in the future you will be able to maintain your membership. The important thing is that you qualify at the point of joining CMCU.

Paying a Small Fee

Once you have completed the joining process you will be asked for a £10 debit card payment. £5 will be the joining fee (which is non-refundable) and £5 your initial deposit. Within two working days you will be contacted by email with more information on the next stage of account opening.

If you would like more information regarding the accounts, or if you are unsure if you qualify or you are a qualifying corporate entity please contact the credit union on admin@cmcu.org.uk

Payroll Savers Loan Form

If you are not already a member, please state your qualifying connection (if you are not sure if you have a qualifying connection, please contact CMCU before proceeding with your application)*

About The Loan

How much would you like to borrow (maximum £15,000)?*

What is the loan for?*

What term do you want the loan over (maximum 60 months)?*

About You

Title*

Surname*

First name(s)*

Date of birth*

Status*

Do you have any dependent children?*

Ages*

Home telephone number*

Mobile telephone number*

Email address*

About Your Partner (if applicable)

Title

Surname

First name(s)

Employment Status

About Your Home

Current address*

Post code*

Residential status*

How long have you lived at this address in months and years?*

If you have lived at the above address for less than 3 years, please give your previous address/addresses if more than one

Post code

Residential status

How long did you live at this address in months and years?

What is your primary source of income?*

If working, please state your occupation and if full time, part time, self-employed or other and give the name and address of your employer (if applicable)*

About Your Bank Account

Name on account*

Sort code*

Account number*

How long have you had this account?*

PLEASE NOTE: You must supply a copy of your most recent bank statement for your main account covering a period of 6-8 weeks in order for your loan application to be considered. As part of our affordability assessment we do look at regular expenditure. If you have income and/or expenditure on more than one bank account or use a credit card for 'day-to-day' expenditure please supply statements for those accounts.

Income per month

Earnings from work*

You

Your partner

Benefits/Tax Credits*

You

Your partner

Pension*

You

Your partner

Expenses*

You

Your partner

Other (please state)*

You

Your partner

Do you have any rental income? If yes, please provide the address of the property and bank statement showing income (rental) and expenditure (e.g. mortgage, management fees) if in separate account

More Information We Need

Have you ever been known by any other name/s in the past?*

(If yes, please supply details)

The Payroll Savers Loan is charged at a lower rate of interest for members who save/wish to save on a regular basis. We suggest a minimum of between £5 and £10 per month. Please enter the amount you wish to save below. (If you do not wish to save enter '0', your application will be dealt with as a Personal Loan)*

Your loan will be paid by BACS using the bank account details you have provided on this application. If you want your loan paid to a different account or to a third party, please answer YES and provide the details below.*

(If yes, please supply details)

Please tell us about how you heard about Churches' Mutual Credit Union*

Beneficiary (Next of Kin)

Full name*

Address*

Relationship*

Contact details*

Data Protection

Data Protection Act 1998: Your Personal Information will be treated as confidential and will only be disclosed a) at your request b) to our agents in managing your accounts c) in the public interest d) to prevent fraud or by the order of the courts or e) taking up references. The Data Protection Act gives you a right to a copy of your personal records held on our files on request.

In order to assess your application Churches’ Mutual may take up such references and make such enquiries about you as we consider necessary, this will include carrying out a search the files of a credit reference agency. The fact a search has been made will be recorded by each credit reference agency used and the data supplied will be available to other lenders and others authorised to search the credit reference agencies files, for purpose such as the credit assessment of you and members of your household and occasionally for debtor tracing and fraud prevention. If your application for finance is accepted then details about you and the conduct of your account will be passed to credit reference agencies and these details will be used for similar purposes. We may also disclose information about you and the conduct of your account to credit industry fraud avoidance networks and to tracing and debt collection agencies and our solicitors. Full details of how we treat your personal data can be found on the ‘Privacy Notice’ page of this website.*

I hereby give permission for Churches’ Mutual Credit Union to carry out a credit search on me.

Declaration

I declare to the best of my knowledge I am in good health and fit to make the monthly repayments on my loan.*

I declare that the facts, matters and statements made on this online application for the purpose of obtaining the loan are true, complete and accurate in all respects and I acknowledge that, if any such facts, matters or statements are not true, complete and accurate in all respects, the CHURCHES’ MUTUAL CREDIT UNION LTD is entitled to refuse the application for the loan or take civil or criminal proceedings against me, if the loan has been granted. I also confirm that if there is any change in my circumstances during the loan application process I will inform CMCU immediately.*

Click to confirm that you have read and understood the above information and agree to be bound by these terms.

Bank Statements

Bank statements in the following formats: .jpg, .jpeg, .pdf, or .png can be uploaded using the field below. If you have more than 64 MB of statements you can also use the online submission form in the account services section of our website. Alternatively you may send them as an email attachment to loans@cmcu.org.uk